Floods, Fires and Roof Leaks: What’s Actually Covered by Homeowners Insurance?

Understanding what your homeowners insurance covers is essential. At Cordero Insurance Agency, we know that Florida’s weather and climate can bring unexpected challenges. We’ll explain how a typical homeowners policy works with fires, floods and leaking roofs, and what you can do to enhance your coverage.

What Does Homeowners Insurance Usually Cover?

Most standard homeowners insurance policies provide coverage for risks such as theft or vandalism as well as third-party claims of damage and injuries, but there are important exceptions. Here’s how coverage usually works for the following concerns:

1. Floods 
   Standard homeowners insurance does not cover flood damage caused by external factors such as hurricanes, heavy rain and rising tides. You’ll need a separate flood insurance policy from a private insurer or the National Flood Insurance Program to cover your home and belongings.
2. Fires
   Damages caused by accidental fires, lightning strikes or wildfires are typically covered. Your policy may help pay for repairs to your home, replacement of personal belongings and even temporary living expenses if your home becomes uninhabitable.
3. Roof leaks
   Coverage for roof leaks often depends on the cause. If a sudden event like a fallen tree or a severe storm damages your roof and causes a leak, your policy may cover repairs. However, leaks due to wear and tear, lack of maintenance or gradual deterioration are typically excluded.

  How We Help Homeowners

Cordero Insurance Agency will review your current coverage, explain your options for these risks and help you find policies or endorsements that fit your needs and budget. Contact us today to schedule a personalized insurance review.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.